Access to smart, flexible funding is essential for businesses aiming to grow, invest, or stabilise their cash flow. Whether you’re acquiring new equipment, unlocking the value of existing assets, or waiting on unpaid invoices, commercial finance offers a range of strategic funding tools tailored to your needs.

At Wigmore Trading, we connect businesses across Africa with leading lenders and financial solutions. From asset finance and invoice finance to broader asset-based lending, we help you put your business assets to work—turning them into capital for growth.

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What Is Commercial Finance?

Commercial finance refers to a variety of lending options designed specifically for businesses. These solutions allow companies to access capital without relying solely on traditional bank loans, using physical assets, invoices, or inventory as collateral.

Common commercial finance products include:

• Asset Finance
• Asset-Based Lending
• Invoice Finance

Each solution is designed to improve cash flow, fund expansion, or support day-to-day operations.

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1. Asset Finance: Funding for Essential Equipment

Asset finance enables businesses to acquire vehicles, machinery, or technology by spreading the cost over time—freeing up working capital and preserving cash reserves.

Common Structures:

• Hire Purchase – Own the asset after fixed-term payments
• Finance Lease – Use the asset over an agreed term without ownership
• Operating Lease – Short-term rental with minimal maintenance obligations

Ideal For:

• Logistics and transport companies
• Manufacturers and construction firms
• Agricultural and food processing businesses

Wigmore Trading supports the sourcing and financing of both new and used equipment, helping you get operational faster.

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2. Asset-Based Lending: Unlock the Value of Your Balance Sheet

Asset-based lending (ABL) provides funding against the value of your existing assets—such as equipment, inventory, property, or receivables. This option is ideal for businesses that are rich in assets but need improved liquidity.

Key Features:

• Borrow against assets you already own
• Flexible borrowing limits tied to asset value
• Scalable facility as business grows

Typical Assets Used:

• Plant and machinery
• Vehicles
• Warehousing and commercial property
• Stock/inventory

ABL is particularly useful for businesses in growth phases, acquisitions, or undergoing turnaround strategies.

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3. Invoice Finance: Fast Access to Cash Tied Up in Receivables

Invoice finance gives you immediate access to cash from outstanding invoices—so you don’t have to wait 30, 60, or 90 days to get paid.

Types of Invoice Finance:

• Invoice Discounting – Confidential facility, you maintain customer relationships
• Invoice Factoring – The lender manages collections on your behalf

Benefits:

• Instant working capital boost
• Reduces reliance on loans or overdrafts
• Scales in line with sales volume

Ideal for: Trading businesses, exporters, wholesalers, and service providers with B2B clients on credit terms.

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Why Wigmore Trading?

At Wigmore Trading, we go beyond just funding—we help you build sustainable financial strategies tailored to your business model and sector.

What Sets Us Apart:

• Access to a panel of trusted lenders across Africa
• Support for cross-border asset sourcing and logistics
• Sector expertise in agriculture, logistics, retail, manufacturing, and more
• Guidance through the entire application and drawdown process
• Multinational support including Nigeria, Ghana, Kenya, South Africa, and others

Whether you need funding for equipment, stock, or day-to-day operations, we bring the tools, expertise, and lender access to help you move forward.

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Power Your Business with Commercial Finance

Looking to invest in growth? Struggling with cash flow due to unpaid invoices? Need to unlock value from your assets? Wigmore Trading is here to help you structure the right finance solution.

👉 Contact us today to explore commercial finance options tailored to your business goals.